KS StateBank Review

How does your bank stack up?

  • Financial Rates: 4.0 Star Icon
  • Customer Service: 5.0 Star Icon
  • Website Experience: 5.0 Star Icon
  • Bank Fees: 5.0 Star Icon


  • Variety of accounts offered
  • Most accounts have low opening amounts
  • Competitive interest rates on accounts
  • No monthly maintenance fees


  • Not all accounts are available online
  • MMA has tiered interest rates
  • Jumbo CDs rates same as regular CDs
  • Fee for bank-to-bank transfers

What You Need to Know

A variety of accounts are available through KS StateBank. They offer a variety of personal deposit accounts. Those accounts include checking accounts, savings and money market accounts, and CDs. KS StateBank offers regular CDs and jumbo CDs. The CD terms range from six months to seven years. They also offer business accounts.

Most KS StateBank accounts have low amounts required to open the accounts. The checking and savings account require $100 to open. The regular CDs require $500 to open. The Jump Up CD requires $1,000 to open, and the MMA requires $2,500. The jumbo CDs do require $100,000 to open.

The Checking Plus account and CDs offer competitive interest rates. The savings and money market accounts offer slightly lower rates. Those rates are still good rates for online accounts. These rates are competitive with other online-only accounts. The rates are much higher than typical brick and mortar bank rates.

KS StateBank accounts do not have monthly maintenance fees. The accounts do not have required account balances to avoid monthly fees. There is a fee for paper statements or if you make more withdrawals each month than allowed.

Not all KS StateBank accounts are available online. The online checking account is only for residents of Kansas, Missouri, and Arizona. The other online accounts include a savings account, money market account, and CDs. Those accounts are available for any citizens around the United States. Open other accounts by visiting a local branch location.

The KS StateBank money market account has tiered interest rates. To earn the most competitive rate requires a balance of $100,000. Amounts under $100,000 earn interest, just not the most competitive rate. This account requires $2,500 to open. There is no required amount to keep in the account; you earn lower rates depending on your balance.

The interest rates for KS StateBank jumbo CDs are the same as their regular CDs. They do not offer higher interest rates. The jumbo CDs require $100,000 to open. Jumbo CDs are only for consumer accounts. They must be opened online.

KS StateBank has a fee for electronic transfers made between banks. They do not charge a fee for money transferred from another bank into your KS StateBank account. However, there is a $3.99 fee for each transfer made from KS StateBank to another financial institution.

Cool Things

27-Month Jump Up CD

This CD requires $1,000 to open. During the length of the CD term, if interest rates increase, you can request to increase your CD’s rate. You must call or send an online banking secure message to make the change. This is the only KS StateBank CD that allows for an interest rate increase.

News for YOU!

This is a free monthly newsletter by KS StateBank. This newsletter covers a variety of financial topics. Learn how to save time with online banking features or how to avoid fraud. Other topics cover mortgage questions or saving money on vacations. Also, learn the best way to deal with money issues between relatives. You can subscribe to this newsletter on the KS StateBank website.


KS StateBank started in 1969. The original name was Kansas State Bank of Manhattan. The name changed to KS StateBank in 2015. Headquarters for KS StateBank are in Manhattan, Kansas. They have six other branch locations across Kansas and Arizona. They also have mortgage offices in Arizona, Minnesota, and Missouri.

KS StateBank offers online and in-branch accounts. Not all KS StateBank account are online accounts. Some must be opened in a branch location. The interest rates for KS StateBank accounts are competitive with other online accounts.

Awards and Recognition

  • Five Star Rating by Bauer Financial

Frequently Asked Questions

Is KS StateBank FDIC insured?

Yes. KS StateBank is FDIC insured. The FDIC is an agency of the United States government that protects funds deposited in banks, up to $250,000 per customer, per bank. The money deposited in FDIC insured banks means money is backed by the full faith and credit of the United States government.

How do I access my money?

With ATM or debit cards, checks, or electronic transfers. You can access your money with online bill pay or by visiting a local branch location.

Does KS StateBank offer mobile banking?

Yes. With the KS StateBank mobile app, you can check account balances, transfer money, and pay bills. You can see statements and make check deposits.

Is KS StateBank free?

Yes. KS StateBank accounts do not have monthly fees. There is a fee for paper statements and for exceeding monthly withdrawal limits.

Is KS StateBank a good bank?

There are a variety of accounts offered through KS StateBank, including business accounts. The interest rates for most accounts are competitive. There are no monthly fees, and the amounts required to open accounts is low. Not all accounts are available online.

Is KS StateBank secure online?

KS StateBank uses Secured Socket Layer data encryption. The customer is timed out of their online banking session after ten minutes. You can sign up to use Secure Tokens to ensure more online security.

Does KS StateBank offer competitive interest rates?

Most accounts offer competitive interest rates. Some accounts offer good rates. However, the rates are slightly lower than other online account rates. The KS StateBank CDs offer competitive interest rates.

Can I use KS StateBank for my business accounts?

Yes. KS StateBank offers business checking, saving, and money market accounts. They offer CDs and lending options for businesses as well. Business accounts must be opened online.

How is KS StateBank online banking different from the online banking my bank offers?

The online accounts offer higher interest rates than typical bank rates. Everything for your account is online.

Do KS StateBank checking accounts pay interest?

One KS StateBank checking account earns interest. The rates are competitive. This account is only for residents in Arizona, Kansas, and Missouri.

How do I reach customer service?

By phone, mail, email, or by visiting a local branch location. You can follow KS StateBank on Facebook or LinkedIn.

Does KS StateBank offer bill pay?

Yes. KS StateBank offers free bill pay for their accounts. You can pay bills through online banking or the mobile app.

Can I deposit cash?

Yes, at a local branch location. The best way to transfer money with online accounts is through electronic transfers. Transfers from KS StateBank to another financial institution do have a fee.

How long do transfers take?

Electronic transfers to another bank take one to two business days. Deposits made after 6:00 pm. Central Time, fund the next business day.

Can I sign up for direct deposit to KS StateBank accounts?

Yes. Money can be directly deposited into KS StateBank accounts.

Bank Contact Information

KS StateBank
1010 Westloop Place
Manhattan, KS 66502

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